Credit Control Quotes

Remember this. The people you're trying to step on, we're everyone you depend on. We're the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you're asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life. We are the middle children of history, raised by television to believe that someday we'll be millionaires and movie stars and rock stars, but we won't. And we're just learning this fact. So don't fuck with us.

Most Americans have no real understanding of the operation of the international money lenders. The accounts of the Federal Reserve System have never been audited. It operates outside the control of Congress and manipulates the credit of the United States

The church is often called a killjoy for protesting against sexual license. But the real killing of joy comes with the grabbing of pleasure. As with credit card usage. the price tag is hidden at the start, but the physical and emotional debt incurred will take a long time to pay off.

A credit card allows you transcend time. For it allows you to put off until tomorrow what you bought today, while you are still paying what you bought yesterday.

When and why do we attribute a person's behavior to brain disease, and when and why do we not do so? Briefly, the answer is that we often attribute bad behavior to disease (to excuse the agent);never attribute good behavior to disease (lest we deprive the agent of credit); and typically attribute good behavior to free will and insist bad behavior called mental illness is a "no fault" act of nature.

Treat your work as a refuge—an oasis of control and creative satisfaction in the midst of the bad stuff. Don’t beat yourself up if you’re not on fire creatively every day—give yourself credit if you show up for work and make even a small amount of progress. When you put down your tools for the day, you may even see your personal situation with a fresh eye. POVERTY

Why do we still cling to the intellectually retarded notion that liberty can be obtained, maintained, or lost at the end of a gun barrel? When you're working 3 minimum wage jobs to make the minimum payment on a pair of socks you bought 12 years ago because your credit card company slapped you with an interest rate that would make a loan shark holler WTF! ... well, no one needs to hold a gun to your head. Your ass has already been sold down the river.

Starting in 1792 with George Washington, there were financial crises every ten to fifteen years. Panics, bank runs, credit freezes, crashes, depressions. People lost their farms, families were wiped out. This went on for more than a hundred years, until the Great Depression, when Oklahoma turned to dust. "We can do better than this." Americans said. "We don't need to go back to the boom-and-bust cycle." The Great Depression produced three regulations: The FDIC-your bank deposits were safe. Glass-Steagall-banks couldn't go crazy with your money. The SEC-stock markets would be tightly controlled. For fifty years, these rules kept America from having another financial crisis. Not one panic or meltdown or freeze. They gave Americans security and prosperity. Banking was dull. The country produced the greatest middle class the world had ever seen.

You—you insufferable—” “I give you credit for cleverness—” “—scurrilous, despicable—” “—but it is time you returned to where you belong.” “—pompous, controlling ass.” Unwisely, he smirked. “Now, now, my dear. Language.

A credit card allows you transcend time. For it allows you to put off until tomorrow what you bought today, while you are still paying off what you bought yesterday.

The Marshall Plan had stopped the Communists, had brought the European nations back from destruction and decay, had performed an economic miracle; and there was, given the can-do nature of Americans, a tendency on their part to take perhaps more credit than might be proper for the actual operation of the Marshall Plan, a belief that they had done it and controlled it, rather than an admission that it had been the proper prescription for an economically weakened Europe and that it was the Europeans themselves who had worked the wonders.

social media addict? This is a very real problem—so much so that researchers from Norway developed a new instrument to measure Facebook addiction called the Bergen Facebook Addiction Scale.[3] Social media has become as ubiquitous as television in our everyday lives, and this research shows that multitasking social media can be as addictive as drugs, alcohol, and chemical substance abuse. A large number of friends on social media networks may appear impressive, but according to a new report, the more social circles a person is linked to, the more likely the social media will be a source of stress.[4] It can also have a detrimental effect on consumer well-being because milkshake-multitasking interferes with clear thinking and decision-making, which lowers self-control and leads to rash, impulsive buying and poor eating decisions. Greater social media use is associated with a higher body mass index, increased binge eating, a lower credit score, and higher levels of credit card debt for consumers with many close friends in their social network—all caused by a lack of self-control.[5] We Can Become Shallow

If the people really cared about their fellow man, they would control their appetites (greed, procreation, etc.) so that they would not have to operate on a credit or welfare social system which steals from the worker to satisfy the bum. Since most of the general public will not exercise restraint, there are only two alternatives to reduce the economic inductance of the system. (1) Let the populace bludgeon each other to death in war, which will only result in a total destruction of the living earth. (2) Take control of the world by the use of economic “silent weapons” in a form of “quiet warfare” and reduce the economic inductance of the world to a safe level by a process of benevolent slavery and genocide. The latter option has been taken as the obviously better option. At this point it should be crystal clear to the reader why absolute secrecy about the silent weapons is necessary. The general public refuses to improve its own mentality and its faith in its fellow man. It has become a herd of proliferating barbarians, and, so to speak, a blight upon the face of the earth.

Bankers own the earth. Take it away from them, but leave them the power to create money and control credit, and with a flick of a pen they will create enough to buy it back." Sir Josiah Stamp, former President, Bank of England

[I]t is a mistake to rush to impose the individual ethical responsibility that the corporate structure deflects. This is the temptation of the ethical which, as Zizek has argued, the capitalist system is using in order to protect itself in the wake of the credit crisis - the blame will be put on supposedly pathological individuals, those’ abusing the system’, rather than on the system itself. But the evasion is actually a two step procedure - since structure will often be invoked (either implicitly or openly) precisely at the point when there is the possibility of individuals who belong to the corporate structure being punished. At this point, suddenly, the causes of abuse or atrocity are so systemic, so diffuse, that no individual can be held responsible… But this impasse - it is only individuals that can be held ethically responsible for actions, and yet the cause of these abuses and errors is corporate, systemic - is not only a dissimulation: it precisely indicates what is lacking in capitalism. What agencies are capable of regulating and controlling impersonal structures? How is it possible to chastise a corporate structure? Yes, corporations can legally be treated as individuals - but the problem is that corporations, whilst certainly entities, are not like individual humans, and any analogy between punishing corporations and punishing individuals will therefore necessarily be poor. And it is not as if corporations are the deep-level agents behind everything; they are themselves constrained by/expressions of the ultimate cause-that-is-not-asubject: Capital.

Forget the National Debt Clock. We need an electronic billboard to track all the daily shootings in this country. I'm really sick of listening to all the mouth breathers who soil their camouflage pants every time someone suggests we might have a gun problem. Other countries have crazy, violent people. What they don't have is 300,000,000 WMDs and a gun show loophole that allows any psycho with a valid credit card to own 'em.

Beliefs even have the capacity to override the impact of drugs on the body. While most people believe that drugs heal, studies in the new science of psychoneuroimmunology (the mind-body relationship) have begun to bear out what many others have suspected for centuries: our beliefs about the illness and its treatment play as significant a role, maybe an even more significant role, than the treatment itself. Dr. Henry Beecher from Harvard University has done extensive research that clearly demonstrates that we often give credit to a drug, when in reality it’s the patient’s belief that makes the difference.

Isn't it sad that we have to gain control of the artificial numbers placed upon us by others to regain some control of our lives?

System 2 is also credited with the continuous monitoring of your own behavior—the control that keeps you polite when you are angry, and alert when you are driving at night.

people really cared about their fellow man, they would control their appetites (greed, pleasure, procreation, etc.) so   they would not have to operate on a credit or welfare

A man’s partner is not his child, and the freedoms he “grants” her are not credits to be spent like chips when the urge to control her arises.

They ascribe omnipotence and omniscience to him and I don't know what else; it seems to me so strange that they never credit him with common-sense or allow him tolerance. If he knew as much about human nature as I do he'd know how weak men are and how little control they have over their passions, he'd know how full of fear they are and how pitiful, he'd know how much goodness there is even in the worst and how much wickedness in the best. If he's capable of feeling he must be capable of remorse, and when he considers what a hash he's made in the creation of human kind can he feel anything but that? The wonder is that he does not make use of his omnipotence to annihilate himself. Perhaps that's just what he has done.

18 NEVER PAY YOUR LAWYER BY THE HOUR Incentive Super-Response Tendency To control a rat infestation, French colonial rulers in Hanoi in the nineteenth century passed a law: for every dead rat handed in to the authorities, the catcher would receive a reward. Yes, many rats were destroyed, but many were also bred specially for this purpose. In 1947, when the Dead Sea scrolls were discovered, archaeologists set a finder’s fee for each new parchment. Instead of lots of extra scrolls being found, they were simply torn apart to increase the reward. Similarly, in China in the nineteenth century, an incentive was offered for finding dinosaur bones. Farmers located a few on their land, broke them into pieces and cashed in. Modern incentives are no better: company boards promise bonuses for achieved targets. And what happens? Managers invest more energy in trying to lower the targets than in growing the business. These are examples of the incentive super-response tendency. Credited to Charlie Munger, this titanic name describes a rather trivial observation: people respond to incentives by doing what is in their best interests. What is noteworthy is, first, how quickly and radically people’s behaviour changes when incentives come into play or are altered and, second, the fact that people respond to the incentives themselves and not the grander intentions behind them.

Remember this,” Tyler said. "The people you’re trying to step on, we’re everyone you depend on. We’re the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you’re asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life. "We are the middle children of history, raised by television to believe that someday we’ll be millionaires and movie stars and rock stars, but we won’t. And we’re just learning this fact,” Tyler said. "So don’t fuck with us.

Not surprisingly Wells places the City of London—the international center of banking culture—and its financial credit as responsible for knitting together world economic life over the previous hundred years. With these innovations in communications and finance, but also with the frustrations and wars inherent (so he says) in the existence of independent national states and sovereignties, came about the gradual dawning of the idea of the World-State.

Something creaked beneath me! A soft step on rotting wood! I jumped startled, scared, and turned, expecting to see-God knows what! Then I sighed, for it was only Chris standing in the gloom, silently staring at me. Why? Did I look prettier than usual? Was it the moonlight, shining through my airy clothes? All random doubts were cleared when he said in a voice gritty and low, "You look beautiful sitting there like that." He cleared the frog in his throat. "The moonlight is etching you with silver-blue, and I can see the shape of your body through your clothes." Then, bewilderingly, he seized me by the shoulders, digging in his fingers, hard! They hurt. "Damn you, Cathy! You kissed that man! He could have awakened and seen you, and demanded to know who you were! And not thought you only a part of his dream!" Scary the way he acted, the fright I felt for no reason at all. "How do you know what I did? You weren't there; you were sick that night." He shook me, glaring his eyes, and again I thought he seemed a stranger. "He saw you, Cathy-he wasn't soundly asleep!" "He saw me?" I cried, disbelieving. It wasn't possible . . . wasn't! "Yes!" he yelled. This was Chris, who was usually in such control of his emotions. "He thought you a part of his dream! But don't you know Momma can guess who it was, just by putting two and two together-just as I have? Damn you and your romantic notions! Now they're on to us! They won't leave money casually about as they did before. He's counting, she's counting, and we don't have enough-not yet!" He yanked me down from the widow sill! He appeared wild and furious enough to slap my face-and not once in all our lives had he ever struck me, though I'd given him reason to when I was younger. But he shook me until my eyes rolled, until I was dizzy and crying out: "Stop! Momma knows we can't pass through a looked door!" This wasn't Chris . . . this was someone I'd never seen before . . . primitive, savage. He yelled out something like, "You're mine, Cathy! Mine! You'll always be mine! No matter who comes into your future, you'll always belong to me! I'll make you mine . . . tonight . . . now!" I didn't believe it, not Chris! And I did not fully understand what he had in mind, nor, if I am to give him credit, do I think he really meant what he said, but passion has a way of taking over. We fell to the floor, both of us. I tried to fight him off. We wrestled, turning over and over, writhing, silent, a frantic strug- gle of his strength against mine. It wasn't much of a battle. I had the strong dancer's legs; he had the biceps, the greater weight and height . . . and he had much more determination than i to use something hot, swollen and demanding, so much it stile reasoning and sanity from him. And I loved him. I wanted what he wanted-if he wanted it that much, right and wrong. Somehow we ended up on that old mattress-that filthy, smelly, stained mattress that must have known lovers long before this night. And that is where he took me, and forced in that swollen, rigid male sex part of him that had to be satisfied. It drove into my tight and resisting flesh which tore and bled. Now we had done what we both swore we'd never do.

Threats All threats are unacceptable, whether it has to do with turning off your credit card, abandoning you, or physically harming you. Threats are meant to coerce, restrict your life, and make you unsafe. When you hear a threat of any kind, you can tell you partner this" "That's a threat. You can't threaten me if you expect to have a relationship with me." Be consistent with addressing his treats. If he doesn''t show that he's taking you seriously, then you'll likely know what you need to do.

The individualist insists that drastic depressions are the result of credit inflation; (not excessive savings, as the Keynesians would have it) which at all times in history has been caused by direct government action or by government influence. As for aggravated unemployment, the individualist insists that it is exclusively the result of government intervention through inflation, wage rigidities, burdensome taxes, and restrictions on trade and production such as price controls and tariffs. The inflation that comes inevitably with government pump-priming soon catches up with the laborer, wipes away any real increase in his wages, discourages private investment, and sets off a new deflationary spiral which can in turn only be counteracted by more coercive and paternalistic government policies. And so it is that the "long run" is very soon a-coming, and the harmful effects of government intervention are far more durable than those that are sustained by encouraging the unhampered free market to work out its own destiny.

Green had been amazed by their discovery: you could break into a Titan II complex with just a credit card. Once the officers showed him how to do it, Green requested permission to stage a black hat operation at 4-7—an unannounced demonstration of how someone could sneak into the launch control center undetected. SAC had a long history of black hatting to test the security at its facilities. Black hat teams would plant phony explosives on bombers, place metal spikes on runways, infiltrate a command post and then hand a letter to the base commander that said, “You’re dead.

Self-control has been credited with one of the greatest reductions of violence in history, the thirtyfold drop in homicide between medieval and modern Europe. Recall that according to Norbert Elias’s theory of the Civilizing Process, the consolidation of states and the growth of commerce did more than just tilt the incentive structure away from plunder. It also inculcated an ethic of self-control that made continence and propriety second nature. People refrained from stabbing each other at the dinner table and amputating each other’s noses at the same time as they refrained from urinating in closets, copulating in public, passing gas at the dinner table, and gnawing on bones and returning them to the serving dish. A culture of honor, in which men were respected for lashing out against insults, became a culture of dignity, in which men were respected for controlling their impulses.

From the very beginning of its history, the manifold social evils of capitalism have given rise to oppositional movements. The one I am concerned with in this book is cooperativism, specifically worker cooperativism. There are many other kinds of cooperatives, including those in the credit, agriculture, housing, insurance, health, and retail sectors of the economy. But worker cooperativism is potentially the most “oppositional” form, the most anti-capitalist, since it organizes production in anti-capitalist ways. Indeed, the relations of production that constitute worker cooperativism also define socialism in its most general sense: workers’ democratic control over production and, in some varieties, ownership of the means of production (whether such ownership is organized individually, by owning shares of equity, or collectively). As one common formulation states, in the worker co-op, labor has power over capital, or “labor hires capital.” In the conventional business, by contrast, capital has power over labor, i.e., “capital hires labor.” None of the other kinds of cooperativism directly rejects these capitalist power-relations, although some may signify an implicit undermining of capitalism insofar as the co-op exists not primarily for the sake of maximizing profit but for satisfying some social need.

I’ve never quite mastered the art of holding my liquor,” she replied. He watched her root around in her purse a moment, before pulling out a tube of lip balm. As Jonas watched her apply it, he nearly got distracted from her answer. Leaning forward, Jonas murmured, “Can’t hold your liquor, huh?” She replaced the cap and dropped it back into her purse. “Not so much. I tend to get a bit too happy.” His eyebrows shot up and his cock came to full-alert status. Happy--he liked the sound of that. “And that’s a bad thing?” To his utter shock, Deanna blushed. “In my case it is.” Curiosity got the better of him. “Care to explain?” The waiter returned with the check, forcing Jonas to drop the conversation while he fished out his credit card. Once they were alone again, Jonas waited, hoping Deanna would go into more detail. She didn’t disappoint him. “All my inhibitions disappear. It’s not a comfortable feeling for me.” She was killing him. An immediate picture of a carefree Deanna sprang to mind. He liked it a hell of a lot. “Most people enjoy letting it all hang out every once in a while. Taking life too seriously leads to an early grave.” “Maybe, but if I suddenly develop the urge, I’d rather be coherent.” “You don’t like to give up control,” he surmised. She cocked her head to the side, as if unsure how to respond at first. “It’s not that,” she said. “I guess if I’m in the mood to go romping naked through a forest, for example, then I don’t want alcohol to blur the memorable event for me.” She laughed. “I mean, I’d want to remember a crazy moment like that. Wouldn’t you?” No doubt about it, Jonas liked the way the lady’s mind worked. “You had me at ‘running naked’.” Deanna snorted. “You need serious help.

The common thread in Asimov's robot stories is a self-fulfilling prophecy. That being afraid of science and technology leads us to acting in ways that are detrimental to ourselves and society. Or, to indvertently hand over control to people who want to misuse it, simply by our refusal to understand it. [James Portnow, Extra Credits. Asimov Summary]

To Huang Ti’s credit, though, he managed, without ever disassembling a corpse, to figure out that “the blood of the body is under the control of the heart” and that “the blood current flows in a continuous circle and never stops.” In other words, the man figured out what William Harvey figured out, four thousand years before Harvey and without laying open any family members.

Once a nation parts with the control of its currency and credit, it matters not who makes that nation's laws. Usury, once in control, will wreck any nation. Until the control of the issue of currency and credit is restored to government and recognized as its most conspicuous and sacred responsibility, all talk of the sovereignty of Parliament and of democracy is idle and futile.

I hate the concept of luck, especially when people try to apply it to me. Yes, it’s true: Hundreds of thousands of businesses fail. Mine succeded. Was that all just because I ”got lucky”? I don’t really think so. What I hate about luck is that it implies being devois of responsibility. It implies that you can do nothing and the step into success as easily as stepping into a pile of dog poop on the sidewalk. It implies that success is something given to a knighted and often undeserving few. Luck tells us that we don’t control our own fate, and that our path to succes of failure is written by someone, or something, entirely outside overselves. Luck let us believe that whatever happens, whether good or bad, it’s not to our credit or our fault. That is why I don’t buy luck. But I do buy magic.

one crucial fact must be kept in mind: none of the roughly seventy thousand nuclear weapons built by the United States since 1945 has ever detonated inadvertently or without proper authorization. The technological and administrative controls on those weapons have worked, however imperfectly at times—and countless people, military and civilian, deserve credit for that remarkable achievement. Had a single weapon been stolen or detonated, America’s command-and-control system would still have attained a success rate of 99.99857 percent. But nuclear weapons are the most dangerous technology ever invented. Anything less than 100 percent control of them, anything less than perfect safety and security, would be unacceptable. And if this book has any message to preach, it is that human beings are imperfect.

But now I speculate re the ants' invisible organ of aggregate thought... if, in a city park of broad reaches, winding paths, roadways, and lakes, you can imagine seeing on a warm and sunny Sunday afternoon the random and unpredictable movement of great numbers of human beings in the same way... if you watch one person, one couple, one family, a child, you can assure yourself of the integrity of the individual will and not be able to divine what the next moment will bring. But when the masses are celebrating a beautiful day in the park in a prescribed circulation of activities, the wider lens of thought reveals nothing errant, nothing inconstant or unnatural to the occasion. And if someone acts in a mutant un-park manner, alarms go off, the unpredictable element, a purse snatcher, a gun wielder, is isolated, surrounded, ejected, carried off as waste. So that while we are individually and privately dyssynchronous, moving in different ways, for different purposes, in different directions, we may at the same time comprise, however blindly, the pulsing communicating cells of an urban over-brain. The intent of this organ is to enjoy an afternoon in the park, as each of us street-grimy urbanites loves to do. In the backs of our minds when we gather for such days, do we know this? How much of our desire to use the park depends on the desires of others to do the same? How much of the idea of a park is in the genetic invitation on nice days to reflect our massive neuromorphology? There is no central control mechanism telling us when and how to use the park. That is up to us. But when we do, our behavior there is reflective, we can see more of who we are because of the open space accorded to us, and it is possible that it takes such open space to realize in simple form the ordinary identity we have as one multicellular culture of thought that is always there, even when, in the comparative blindness of our personal selfhood, we are flowing through the streets at night or riding under them, simultaneously, as synaptic impulses in the metropolitan brain. Is this a stretch? But think of the contingent human mind, how fast it snaps onto the given subject, how easily it is introduced to an idea, an image that it had not dreamt of thinking of a millisecond before... Think of how the first line of a story yokes the mind into a place, a time, in the time it takes to read it. How you can turn on the radio and suddenly be in the news, and hear it and know it as your own mind's possession in the moment's firing of a neuron. How when you hear a familiar song your mind adopts its attitudinal response to life before the end of the first bar. How the opening credits of a movie provide the parameters of your emotional life for its ensuing two hours... How all experience is instantaneous and instantaneously felt, in the nature of ordinary mind-filling revelation. The permeable mind, contingently disposed for invasion, can be totally overrun and occupied by all the characteristics of the world, by everything that is the case, and by the thoughts and propositions of all other minds considering everything that is the case... as instantly and involuntarily as the eye fills with the objects that pass into its line of vision.

that both the control of credit and the power to issue money be unqualifiedly taken away from the private banks; that the soldiers not only receive the bonus they with their blood and anguish so richly earned in ‘17 and ‘18, but that the amount agreed upon be now doubled; that all swollen incomes be severely limited and inheritances cut to such small sums as may support the heirs only in youth and in old age;

victory, he told me that I deserved the credit for what had happened. He said that by giving my testimony, I’d freed myself and probably also helped other people in unfair conservatorships. After having my father take credit for everything I did for so long, it meant everything to have this man tell me that I’d made the difference in my own life. And now, finally, it was my own life. Being controlled made me so angry on behalf of anyone who doesn’t have the right to determine their own fate. “I’m just grateful, honestly, for each day… I’m not here to be a victim,” I said on Instagram after the conservatorship was terminated. “I lived with victims my whole life as a child. That’s why I got out of my house. And worked for twenty years and worked my ass off… Hopefully, my story will make an impact and make some changes in the corrupt system.

These trifles are collected and republished chiefly with a view to their redemption from the many improvements to which they have been subjected while going at random the "rounds of the press." I am naturally anxious that what I have written should circulate as I wrote it, if it circulate at all. In defence of my own taste, nevertheless, it is incumbent upon me to say that I think nothing in this volume of much value to the public, or very creditable to myself. Events not to be controlled have prevented me from making, at any time, any serious effort in what, under happier circumstances, would have been the field of my choice. With me poetry has been not a purpose, but a passion; and the passions should be held in reverence: they must not—they cannot at will be excited, with an eye to the paltry compensations, or the more paltry commendations, of mankind. 1845. E. A. P.

We should finally note a more radical challenge to the concept of Platonic utility that arises from nascent work in the reinforcement learning field under the rubric of intrinsic motivation. One idea is that the "true" evolutionarily appropriate metric for behavior is the extremely sparse one of propagating ones genes. What we think of as a Platonic utility over immediate rewards such as food or water, would merely be a surrogate that helps overcome the otherwise insurmountable credit assignment path associated with procreation. In these terms, even the Platonic utility is the same sort of heuristic expedient as the Pavlovian controller itself, with evolutionary optimality molding approximate economic rationality to its own ends. It as a sober thought that understanding values may be less important as a way of unearthing the foundations of choice that we might have expected.

[WAIT—IT WON’T LET ME REDACT THESE LITTLE SUBHEADING THINGS? THAT’S SUPER ANNOYING!] [FINE, I’LL JUST GIVE YOU MY SUMMARY.] [SO, WHOEVER WROTE THIS WAS ALL BLAH-BLAH-BLAH-STELLARLUNE-SOMETHING-SOMETHING-LEGACY. BUT SERIOUSLY, NO ONE WANTS TO READ ABOUT THE CREEPY STUFF MY MOM DID BEFORE SHE GOT PREGNANT WITH ME! (AND WE’RE ALL SUPER SICK OF HEARING ABOUT MY “LEGACY,” AMIRITE?) SO, LET’S JUST LEAVE IT AT THIS: MY MOM IS EVIL. SHE THINKS SHE’S WAY SMARTER THAN SHE IS. AND NOTHING SHE DID IS GOING TO AFFECT MY GENERAL AWESOMENESS, OKAY?] A PHOTOGRAPHIC MEMORY: [WOW, HOW DID YOU COME UP WITH SUCH A CLEVER TITLE?!] [AND YEAH, I HAVE A PHOTOGRAPHIC MEMORY. NOT SURE WHY ANYONE CARES. BUT IT DOES COME IN HANDY DURING MIDTERMS AND FINALS.] AHEAD OF THE GAME: [BASICALLY: I’M A GENIUS. I SKIPPED LEVEL ONE AT FOXFIRE. YES, YOU SHOULD BE IMPRESSED.] UNREASONABLY HIGH STANDARDS: [GOTTA ADMIT, I WAS TEMPTED TO LEAVE THIS ONE ALONE, SINCE WHOEVER WROTE IT ACTUALLY GOT THINGS PRETTY MUCH RIGHT. I GUESS EVEN THE COUNCIL KNOWS MY DAD’S A JERK WHO FREAKS OUT ALL THE TIME BECAUSE I’M NOT A LITTLE MINI-HIM. WHO KNEW?] A POWERFUL EMPATH: [UGH, THAT’S THE BEST YOU COULD DO FOR THIS SUBHEADING???] [HOW ABOUT “LORD OF THE FEELS”? OR “TRUST THE EMPATH”! OR “HE KNOWS WHAT YOU’RE FEELING—AND YOU SHOULD BE ASHAMED OF YOURSELF”?] [OOO! I’VE GOT IT! “HE KNOWS FOSTER BETTER THAN YOU DO! BETTER THAN SHE EVEN KNOWS HERSELF!”] [THOUGH… KEEPING IT REAL? THE FOSTER OBLIVION CAN BE KINDA NOT COOL SOMETIMES.] THE HEART OF THE MATTER: [I CAN’T BELIEVE YOU GUYS NAMED A SECTION OF MY FILE AFTER MY FATHER’S SUPER-BORING BOOK—AND THEN RAMBLED ON FOR TWO PAGES ABOUT HIS SUPER-BORING THEORY!!!!!] [YOU DON’T NEED TWO PAGES ON IT. YOU DON’T EVEN NEED TWO SENTENCES. HERE’S ALLLLLL YOU NEED TO KNOW—BESIDES THE FACT THAT HE’S TOTALLY NOT THE FIRST PERSON TO COME UP WITH THIS (JUST THE ONE WHO LOVES TO TAKE CREDIT): OUR HEADS AND OUR HEARTS SOMETIMES FEEL DIFFERENT EMOTIONS, AND WHAT’S IN OUR HEARTS IS PROBABLY STRONGER.] [THAT’S IT!] [WELL… OKAY… I GUESS HE ALSO GOES ON A BIT ABOUT HOW EMPATHS PROBABLY ONLY READ THE EMOTIONS FROM THE HEAD.] [AND THERE’S SOMETHING ABOUT HEART EMOTIONS BEING PURER BECAUSE NO ONE CAN CONTROL THEM.] [BUT THAT’S IT.] [AND DON’T TELL LORD BORINGPANTS I READ HIS DUMB BOOK! I MOSTLY SKIMMED.] PRANKSTER AND TROUBLEMAKER: [100 PERCENT ACCURATE. ALSO, I’M LEAVING YOUR LITTLE ATTACHED DETENTION RECORD BECAUSE IT’S THE GREATEST THING I’VE EVER SEEN IN MY LIFE!!!!]

A great industrial nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the Nation, therefore, and all our activities are in the hands of a few men ♦ ♦ *, We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the civilised world — no longer a Government by free opinion, no longer a Government by conviction and the vote of the majority, but a Government by the opinion and duress of small groups of dominant men.

I am a determinist. As such, I do not believe in free will. The Jews believe in free will. They believe that man shapes his own life. I reject that doctrine philosophically. In that respect I am not a Jew… I believe with Schopenhauer: We can do what we wish, but we can only wish what we must. Practically, I am, nevertheless, compelled to act is if freedom of the will existed. If I wish to live in a civilized community, I must act as if man is a responsible being. "I claim credit for nothing. Everything is determined, the beginning as well as the end, by forces over which we have no control. It is determined for the insect as well as for the star. Human being, vegetables or cosmic dust, we all dance to an invisible tune, intoned in the distance by a mysterious player. "I am enough of an artist to draw freely from the imagination. Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world."--Albert Einstein, from an interview, in 1929, with George Sylvester Viereck. (Albert Einstein by Lotte Jacobi.)

God has to undo our illusions secretly, as it were, when we are not watching and not in perfect control, say the mystics. That is perhaps why the best word for God is actually Mystery. We move forward in ways that we do not even understand and through the quiet workings of time and grace. When we get there, we are never sure just how it happened, and God does not seem to care who gets the credit, as long as our growth continues. As St. Gregory of Nyssa already said in the fourth century, “Sin happens whenever we refuse to keep growing.

give a credit. Or whatever else we think is best.” Like 140 or so of her fellow employees, Michelle was an owner of ECCO. She was a member of the employee stock ownership plan (ESOP) that controlled 58 percent of the company’s stock. When I met her, her stake was worth $12,000. More important, she felt like an owner and believed she was treated like one. She had a lot of direct contact with the CEO, Ed Zimmer. Among other things, he held a regular monthly lunch with all the people who had a birthday that month, and they talked about themselves and the company and whatever else they wanted to discuss.

Remember this. The people you're trying to step on, we're everyone you depend on. We're the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you're asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life. We are the middle children of history, raised by television to believe that someday we'll be millionaires and movie stars and rock stars, but we won't. And we're just learning this fact. So don't fuck with us.

Any time we’re monitored and profiled, there’s the potential for getting it wrong. You are already familiar with this; just think of all the irrelevant advertisements you’ve been shown on the Internet, on the basis of some algorithm misinterpreting your interests. For some people, that’s okay; for others, there’s low-level psychological harm from being categorized, whether correctly or incorrectly. The opportunity for harm rises as the judging becomes more important: our credit ratings depend on algorithms; how we’re treated at airport security depends partly on corporate-collected data. There are chilling effects as well.

The easiest way to run developmentally efficient finance continues to be through a banking system, because it is banks that can most easily be pointed by governments at the projects necessary to agricultural and industrial development. Most obviously, banks respond to central bank guidance. They can be controlled via rediscounting loans for exports and for industrial upgrading, with the system policed through requirements for export letters of credit from the ultimate borrowers. The simplicity and bluntness of this mechanism makes it highly effective. Bond markets, and particularly stock markets, are harder for policymakers to control. The main reason is that it is difficult to oversee the way in which funds from bond and stock issues are used. It is, tellingly, the capacity of bank-based systems for enforcing development policies that makes entrepreneurs in developing countries lobby so hard for bond, and especially stock, markets to be expanded. These markets are their means to escape government control. It is the job of governments to resist entrepreneurs’ lobbying until basic developmental objectives have been achieved. Equally, independent central banks are not appropriate to developing countries until considerable economic progress has been made.

In the case of my parents, as with most people, the senses exercise a direct control over the emotions,” he wrote her amid the family wars of August. “With us, thanks to the fortunate circumstances in which we live, the enjoyment of life is vastly broadened.” To his credit, Einstein reminded Marie (and himself) that “we mustn’t forget that many existences like my parents’ make our existence possible.” The simple and honest instincts of people like his parents had ensured the progress of civilisation. “Thus I am trying to protect my parents without compromising anything that is important to me—and that means you, sweetheart!

Meekness is not weakness. It’s power under control. It’s ambition grounded with humility and lived out in confidence, not arrogance. Quiet and appropriate confidence is way more attractive than loud and outspoken arrogance. Those who know the most many times are the ones who say the least. Humble leaders are willing to pass on the credit but absorb the criticism, push others higher while making themselves lower, and put the team’s desires ahead of their own. A leader’s job is to shepherd, not necessarily to always shine. It’s about the mission, the team, and the tribe, not about you and your ego. Leaders today should be more conductors than solo artists.

Hackers could even install brain spyware into the apps and devices you are using. A research team led by UC Berkeley computer science professor Dawn Song tried this on gamers who were using neural interface to control a video game. As they played, the researchers inserted subliminal images into the game and probed the players’ unconscious brains for reaction to stimuli—like postal addresses, bank details, or human faces. Unbeknownst to the gamers, the researchers were able to steal information from their brains by measuring their unconscious brain responses that signaled recognition to stimuli, including a PIN code for one gamer’s credit card and their home address.

I was in love with Feyre,' Rhys said quietly, 'long before she ever returned the feeling.' Lucien crossed his arms. 'How fortunate that you got what you wanted in the end.' I closed my eyes for a heartbeat. Cassian and Azriel stilled, waiting for the order. 'I will only say this once,' warned the High Lord of the Night Court. Even Lucien flinched. 'I suspected Feyre was my mate before I ever knew she was involved with Tamlin. And when I learned of it... If it made her happy, I was willing to step back.' 'You came to our house and stole her away on her wedding day.' 'I was going to call the wedding off,' I cut in, taking a step toward Lucien. 'You knew it.' Rhysand went on before Lucien could snap a reply. 'I was willing to lose my mate to another male. I was willing to let them marry, if it brought her joy. But what I was not willing to do was let her suffer. To let her fade away into a shadow. And the moment that piece of shit blew apart his study, the moment he locked her in that house...' His wings ripped from him, and Lucien started. Rhys bared his teeth. My limbs turned light, trembling at the dark power curling in the corners of the room. Not fear- never fear of him. But at the shattered control as Rhys snarled at Lucien. 'My mate may one day find it in herself to forgive him. Forgive you. But I will never forget how it felt to sense her terror in those moments.' My cheeks heated, especially as Cassian and Azriel stalked closer, those hazel eyes now filled with a mix of sympathy and wrath. I had never talked about it to them- what had gone on that day Tamlin had destroyed his study, or the day he'd sealed me inside the manor. I'd never asked Rhys if he'd informed them. From the fury rippling from Cassian, the cold rage seeping from Azriel... I didn't think so. Lucien, to his credit, didn't back away a step. From Rhys, or me, or the Illyrians. The Clever Fox Stares Down Winged Death. The painting flashed in my mind. 'So, again, I will say this only once,' Rhys went on, his expression smoothing into lethal calm, dragging me from the colours and light and shadows gathering in my mind. 'Feyre did not dishonour or betray Tamlin. I revealed the mating bond months later- and she gave me hell for it, don't worry. But now that you've found your mate in a similar situation, perhaps you will try to understand how it felt. And if you can't be bothered, then I hope you're wise enough to keep your mouth shut, because the next time you look at my mate with that disdain and disgust, I won't bother to explain it again, and I will rip out your fucking throat.' Rhys said is so mildly that the threat took a second to register. To settle in me like a stone plunked into a pool. Lucien only shifted on his feet. Wary. Considering. I counted the heartbeats, debating how much I'd interfere if he said something truly stupid, when he at last murmured, 'There is a longer story to be told, it seems.

All of a sudden, he drew his hand away, and Lillian whimpered in protest. Cursing, Marcus tucked her body beneath his and pulled her face into his shoulder just as the door opened. In a moment of frozen silence breached only by her ragged breaths, Lillian peered out from the concealing shelter of Marcus’s body. She saw with a start of fright that someone was standing there. It was Simon Hunt. A ledger book and a few folders secured with black ribbon were clasped in his hands. Blank-faced, Hunt lowered his gaze to the couple on the floor. To his credit, he managed to retain his composure, though it must have been difficult. The Earl of Westcliff, known to his acquaintances as an eternal proponent of moderation and self-restraint, was the last man Hunt would have expected to be rolling on the study floor with a woman clad in her nightgown. “Pardon, my lord,” Hunt said in a carefully controlled voice. “I did not anticipate that you would be… meeting… with someone at this hour.” Marcus skewered him with a savage stare. “You might try knocking next time.” “You’re right, of course.” Hunt opened his mouth to add something, appeared to think better of it, and cleared his throat roughly. “I’ll leave you here to finish your, er… conversation.” As he withdrew from the room, however, it seemed that he couldn’t keep from ducking his head back in and asking Marcus cryptically, “Once a week, did you say?” “Close the door behind you,” Marcus said icily, and Hunt obeyed with a smothered sound that sounded suspiciously like laughter.

Factfulness is … recognizing when a scapegoat is being used and remembering that blaming an individual often steals the focus from other possible explanations and blocks our ability to prevent similar problems in the future. To control the blame instinct, resist finding a scapegoat. • Look for causes, not villains. When something goes wrong don’t look for an individual or a group to blame. Accept that bad things can happen without anyone intending them to. Instead spend your energy on understanding the multiple interacting causes, or system, that created the situation. • Look for systems, not heroes. When someone claims to have caused something good, ask whether the outcome might have happened anyway, even if that individual had done nothing. Give the system some credit.

In 1978, an activist named Judi Chamberlin published one of the movement's most revered manifestos called 'On Our Own: Patient-Controlled Alternatives to the Mental Health System.' Chamberlin had been diagnosed with a mental illness and found traditional psychiatric intervention unhelpful and even traumatic. She did recover, however, and she credited that recovery to an alternative mental health care facility she stayed at in Canada. Chamberlin and many other madness pride activists believe that people with 'lived experience' should not only have a proverbial seat at the table when it comes to the creation of mental health care systems, but that such people are uniquely equipped to understand what constitutes the best treatment. A slogan Chamberlin sought to make famous was 'Nothing about us without us.

REQUIREMENTS TO BE GREAT AT RUNNING HR What kind of person should you look for to comprehensively and continuously understand the quality of your management team? Here are some key requirements:   World-class process design skills Much like the head of quality assurance, the head of HR must be a masterful process designer. One key to accurately measuring critical management processes is excellent process design and control.   A true diplomat Nobody likes a tattletale and there is no way for an HR organization to be effective if the management team doesn’t implicitly trust it. Managers must believe that HR is there to help them improve rather than police them. Great HR leaders genuinely want to help the managers and couldn’t care less about getting credit for identifying problems. They will work directly with the managers to get quality up and only escalate to the CEO when necessary. If an HR leader hoards knowledge, makes power plays, or plays politics, he will be useless.   Industry knowledge Compensation, benefits, best recruiting practices, etc. are all fast-moving targets. The head of HR must be deeply networked in the industry and stay abreast of all the latest developments.   Intellectual heft to be the CEO’s trusted adviser None of the other skills matter if the CEO does not fully back the head of HR in holding the managers to a high quality standard. In order for this to happen, the CEO must trust the HR leader’s thinking and judgment.   Understanding things unspoken When management quality starts to break down in a company, nobody says anything about it, but super-perceptive people can tell that the company is slipping. You need one of those.

So, all told, we’re under at least two kinds of illusions. One is about the nature of the conscious self, which we see as more in control of things than it actually is. The other illusion is about exactly what kind of people we are—namely, capable and upstanding. You might call these two misconceptions the illusion about our selves and the illusion about ourselves. They work in synergy. The first illusion helps us convince the world that we are coherent, consistent actors: we don’t do things for no reason, and the reasons we do them make sense; if our behaviors merit credit or blame, there is an inner us that deserves that credit or blame. The second illusion helps convince the world that what we deserve is credit, not blame; we’re more ethical than the average person, and we’re more productive than the average teammate. We have beneffectance.

In his 1966 book, Tragedy and Hope, Professor Carroll Quigley said: [T]he powers of financial capitalism had another far-reaching aim, nothing less than to create a world system of financial control in private hands able to dominate the political system of each country and the economy of the world as a whole. This system was to be controlled in a feudalist fashion by the central banks of the world acting in concert, by secret agreements arrived at in frequent private meetings and conferences.1 Their scheme is close to fulfillment unless public outrage stops them. They plan global control of money, credit and debt to be able to dominate economies, politics, commerce, and military adventures, so that these might be conducted in a way that benefits them advantageously. In fact, the power to create money can build or destroy nations. In private hands, it goes to the root of today’s problems.

Ah, Jerry. All my ideas are the same old scam: the bigger the fib, the bigger they bite. The first shamans around the fire were in on it – they knew growing maize along the Euphrates was for mugs. Tell people that reality is exactly what it appears to be, they’ll nail you to a lump of wood. But tell ’em they can go spirit-walking while they commute, tell ’em their best friend is a lump of crystal, tell ’em the government has been negotiating with little green men for the last fifty years, then every Joe Six-Pack from Brooklyn to Peoria sits up and listens. Disbelieving the reality under your feet gives you a licence to print your own. All it takes is an original twist – an artificial intelligence, created by the military to invade and take over the enemy’s computer and weapons systems, has broken loose and is controlling the whole planet with a chilling agenda of its own – and Joe Six-Pack hands you his credits cards, and says “Tell me more . . .

When I hear such arguments, I find my sympathies moving toward Obama; we should at least credit him with being smarter than this. I think his critics sometimes forget how much of his domestic and foreign agenda he has realized in a single term. The anti-colonial theory gives Obama the benefit of presuming him to be at least modestly intelligent. Of course Obama understands the consequences of his actions—that’s why he is doing them. He’s doing what he does because he has objectives quite different than fostering economic growth; he intends to use the rod of government control to tame exploitative capitalists and severely regulate the private sector; he wants to strengthen Iran and Syria’s roles in the Middle East while diminishing that of the United States; and he cares more about reducing America’s nuclear arsenal than about preventing Iran from getting a nuclear bomb. I admit it is scary that a president might actually be seeking these objectives. But if my contentions are right, then we should be scared.

• Auto and Homeowner Insurance—Choose higher deductibles in order to save on premiums. With high liability limits, these are the best buys in the insurance world. • Life Insurance—Purchase twenty-year level term insurance equal to about ten times your income. Term insurance is cheap and the only way to go; never use life insurance as a place to save money. • Long-Term Disability—If you are thirty-two years old, you are twelve times more likely to become disabled than to die by age sixty-five. The best place to buy disability insurance is through work at a fraction of the cost. You can usually get coverage that equals from 50 to 70 percent of your income. • Health Insurance—The number one cause of bankruptcy today is medical bills; number two is credit cards. One way to control costs is to look for large deductibles to lower your premium. The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.

But it was quickly recognized in the 1920s that what they called "on-job control" could be extended to "off-job control." That is, controlling every other aspect of life in the same way. So why should people not be robots in their entire life? And to be a robot means to focus your attention on what were called the superficial things of life. Like fashionable consumption, not on care for one another, not on working together to create a decent environment, not on what the world will be like for your children. To turn you into a passive consumer, a person who pushes buttons every couple years and is taught that that is democracy. Follow orders, don't think. Identify your own value as a human being in the amount of useless consumption that you can carry out. That's "off-job control." It runs through all the institutions and it's a huge industry. And, yes, to overcome off-job control you have to make people realize that your value as a human being is not how deeply you can go in debt and how many credit cards you can max out to get commodities you want. That is not your value as a human being.

But imagine for a moment such a person attempting to leave the country, armed with no passport, no credit cards, merely the power to throw thunderbolts and who knew what else. You would probably have to imagine a scene very similar to the one that did in fact occur at Terminal Two, Heathrow. But why, if you were a Norse god, would you be needing to leave the country by means of a scheduled airline? Surely there were other means? Dirk rather thought that one of the perks of being an immortal divine might be the ability to fly under your own power. From what he remembered of his reading of the Norse legends many years ago, the gods were continually flying all over the place, and there was never any mention of them hanging around in departure lounges eating crummy buns. Admittedly, the world was not, in those days, bristling with air-traffic controllers, radar, missile-warning systems and such like. Still, a quick hop across the North Sea shouldn’t be that much of a problem for a god, particularly if the weather was in your favor, which, if you were the God of Thunder, you would pretty much expect it to be, or want to know the reason why.

Primitive man, living in communities of restricted extent, providing for his needs by his own production or by direct co-operation, limiting his spiritual interests to personal experience or to simple tradition, surveys and controls the material of his existence more easily and completely than the man of higher culture. In the latter case life rests upon a thousand presuppositions which the individual can never trace back to their origins, and verify; but which he must accept upon faith and belief. In a much wider degree than people are accustomed to realize, modern civilized life—from the economic system which is constantly becoming more and more a credit-economy, to the pursuit of science, in which the majority of investigators must use countless results obtained by others, and not directly subject to verification—depends upon faith in the honor of others. We rest our most serious decisions upon a complicated system of conceptions, the majority of which presuppose confidence that we have not been deceived. Hence prevarication in modern circumstances becomes something much more devastating, something placing the foundations of life much more in jeopardy, than was earlier the case.

Christianity invented or blessed the invention of the technological Machine. The bulk of people in the Third World today have experienced Christianity not as separate from technology but almost as a part of it. Throngs of people went to school to learn to be modern — that is, to be Christian. Many ended up serving the administrative machinery of Christianity, hoping for a taste of greater modernism. It was a team of Christians who came into my village over twelve years ago to ask those who went to church on Sunday to grow cotton so that they could buy it from them. The naive villagers saw in it an immense opportunity to become modern — that is, to acquire bicycles, short-wave radios and clothes. What they did not see was that these white Christians had their own separate agenda. Because they were in control, they laid out what they wanted the villagers to do. It included using fertilizer and pesticides that were banned in France. No one had the money, but everyone bought on credit. They were barely able to pay their debts out of their sales. With bitterness, the villagers returned to their traditional farming, but the land was angry. Tortured by foreign chemicals, it “went into a coma.” Technology

And yeah, put out as I can be with Mama 'bout a lotta things, I gotta admit she gets all the credit for getting me interested in cooking when I was just knee-high to a grasshopper. Gladys never seemed to give a damn about it when we were kids, which I guess is why she and that family of hers nourish themselves today mainly on KFC and Whoppers and junk like that. But me, I couldn't keep my eyes off Mama when she'd fix a mess of short ribs, or cut out perfect rounds of buttermilk biscuit dough with a juice glass, or spread a thick, real shiny caramel icing over her 1-2-3-4 cakes. And I can remember like it was yesterday (must have been about 4 years old at the time) when she first let me help her bake cookies, especially the same jelly treats I still make today and could eat by the dozen if I didn't now have better control. "Honey, start opening those jars on the counter," she said while she creamed butter and sugar with her Sunbeam electric hand mixer in the same wide, chipped bowl she used to make for biscuit dough. Strawberry, peach, and mint- the flavors never varied for Mama's jelly treats, and just the idea of making these cookies with anything but jelly and jam she'd put up herself the year before would have been inconceivable to Mama.

The math is revealing. The typical American with a $50,000 annual income would normally have an $850 house payment and a $495 car payment, with an additional $180 payment on the second car. Then there is a $165 student-loan payment; and the average credit-card debt is about $12,000, making those monthly payments around $185 per month. Also, this typical household will have other miscellaneous debt on things like furniture, stereos, or personal loans on which they pay an additional $120. All these payments total $1,995 per month. If this family were to invest that instead of sending it to the creditors, they would be cash mutual-fund millionaires in just fifteen years! (After fifteen years, it gets really exciting. They’ll have $2 million in five more years, $3 million in three more years, $4 million in two and a half more years, and $5.5 million in two more years. So they will have $5.5 million after twenty-eight years.) Keep in mind, this is with an average income, which means many of you make more than this! If you are thinking that you don’t have that many payments so your math won’t work, you missed the point. If you make $50,000 and have fewer payments, you have a head start, since you already have more control of your income than most people.

The cheerleaders of the new data regime rarely acknowledge the impacts of digital decision-making on poor and working-class people. This myopia is not shared by those lower on the economic hierarchy, who often see themselves as targets rather than beneficiaries of these systems. For example, one day in early 2000, I sat talking to a young mother on welfare about her experiences with technology. When our conversation turned to EBT cards, Dorothy Allen said, “They’re great. Except [Social Services] uses them as a tracking device.” I must have looked shocked, because she explained that her caseworker routinely looked at her purchase records. Poor women are the test subjects for surveillance technology, Dorothy told me. Then she added, “You should pay attention to what happens to us. You’re next.” Dorothy’s insight was prescient. The kind of invasive electronic scrutiny she described has become commonplace across the class spectrum today. Digital tracking and decision-making systems have become routine in policing, political forecasting, marketing, credit reporting, criminal sentencing, business management, finance, and the administration of public programs. As these systems developed in sophistication and reach, I started to hear them described as forces for control, manipulation, and punishment

It's not that we're dumb. On the contrary, many millions of people have exerted great intelligence and creativity in building the modern world. It's more that we're being swept into unknown and dangerous waters by accelerating economic growth. On just one single day of the days I have spent writing this book, as much world trade was carried out as in the whole of 1949; as much scientific research was published as in the whole of 1960; as many telephone calls were made as in all of 1983; as many e-mails were sent as in 1990.11 Our natural, human, and industrial systems, which evolve slowly, are struggling to adapt. Laws and institutions that we might expect to regulate these flows have not been able to keep up. A good example is what is inaccurately described as mindless sprawl in our physical environment. We deplore the relentless spread of low-density suburbs over millions of acres of formerly virgin land. We worry about its environmental impact, about the obesity in people that it fosters, and about the other social problems that come in its wake. But nobody seems to have designed urban sprawl, it just happens-or so it appears. On closer inspection, however, urban sprawl is not mindless at all. There is nothing inevitable about its development. Sprawl is the result of zoning laws designed by legislators, low-density buildings designed by developers, marketing strategies designed by ad agencies, tax breaks designed by economists, credit lines designed by banks, geomatics designed by retailers, data-mining software designed by hamburger chains, and automobiles designed by car designers. The interactions between all these systems and human behavior are complicated and hard to understand-but the policies themselves are not the result of chance. "Out of control" is an ideology, not a fact.

Systems 1 and 2 are both active whenever we are awake. System 1 runs automatically and System 2 is normally in a comfortable low-effort mode, in which only a fraction of its capacity is engaged. System 1 continuously generates suggestions for System 2: impressions, intuitions, intentions, and feelings. If endorsed by System 2, impressions and intuitions turn into beliefs, and impulses turn into voluntary actions. When all goes smoothly, which is most of the time, System 2 adopts the suggestions of System 1 with little or no modification. You generally believe your impressions and act on your desires, and that is fine—usually. When System 1 runs into difficulty, it calls on System 2 to support more detailed and specific processing that may solve the problem of the moment. System 2 is mobilized when a question arises for which System 1 does not offer an answer, as probably happened to you when you encountered the multiplication problem 17 × 24. You can also feel a surge of conscious attention whenever you are surprised. System 2 is activated when an event is detected that violates the model of the world that System 1 maintains. In that world, lamps do not jump, cats do not bark, and gorillas do not cross basketball courts. The gorilla experiment demonstrates that some attention is needed for the surprising stimulus to be detected. Surprise then activates and orients your attention: you will stare, and you will search your memory for a story that makes sense of the surprising event. System 2 is also credited with the continuous monitoring of your own behavior—the control that keeps you polite when you are angry, and alert when you are driving at night. System 2 is mobilized to increased effort when it detects an error about to be made. Remember a time when you almost blurted out an offensive remark and note how hard you worked to restore control. In summary, most of what you (your System 2) think and do originates in your System 1, but System 2 takes over when things get difficult, and it normally has the last word.

More to the point, one cannot understand The Holocaust without understanding the intentions, ideology, and mechanisms that were put in place in 1933. The eugenics movement may have come to a catastrophic crescendo with the Hitler regime, but the political movement, the world-view, the ideology, and the science that aspired to breed humans like prized horses began almost 100 years earlier. More poignantly, the ideology and those legal and governmental mechanisms of a eugenic world-view inevitably lead back to the British and American counterparts that Hitler’s scientists collaborated with. Posterity must gain understanding of the players that made eugenics a respectable scientific and political movement, as Hitler’s regime was able to evade wholesale condemnation in those critical years between 1933 and 1943 precisely because eugenics had gained international acceptance. As this book will evidence, Hitler’s infamous 1933 laws mimicked those already in place in the United States, Britain, Norway, Sweden, Finland, and Canada. So what is this scientific and political movement that for 100 years aspired to breed humans like dogs or horses? Eugenics is quite literally, as defined by its principal proponents, an attempt at “directing evolution” by controlling any aspect of human existence that affects human heredity. From its onset, Francis Galton, the cousin of Charles Darwin and the man credited with the creation of the science of eugenics, knew that the cause of eugenics had to be observed with religious fervor and dedication. As the quote on the opening pages of this book illustrates, a eugenicist must “intrude, intrude, intrude.” A vigilant control over anything and everything that affects the gene pool is essential to eugenics. The policies could not allow for the individual to enjoy self-government or self-determination any more than a horse breeder can allow the animals to determine whom to breed with. One simply cannot breed humans like horses without imbuing the state with the level of control a farmer has over its livestock, not only controlling procreation, but also the diet, access to medical services, and living conditions.

proper legal structure. The best structure is that of the Mondragon companies, which do not allow workers to own a tradable share of equity. Instead, in addition to their wages they each have an internal capital account the value of which depends on the business’s performance and on the number of hours the member works. A new member has to pay a large entrance fee, most of which is credited to his internal account. He receives interest at the end of every fiscal year, but he cannot withdraw the annually accumulating principal from his account until retirement. Almost all profits are divided between these individual accounts and a collective account that helps ensure the company’s survival. No buying or selling of shares takes place in this scheme, so it’s difficult for the firm to lose its worker-controlled status. Not until 1982, however, did the internal-capital-accounts legal structure exist in the United States (and then only in Massachusetts); prior to that, worker cooperatives had to make convoluted use of other categories, which sometimes made them vulnerable to degeneration.113 In any case, the survival rates of contemporary cooperatives put the lie to traditional theories of cooperatives’ unsustainability, for they appear to have higher rates of survival than conventional firms. During the 1970s and early 1980s, the death rate for co-ops in France (due either to dissolution or to conversion into a capitalist firm) was 6.9 percent; the comparable rate for capitalist competitors was 10 percent. A study in 1989 found much higher failure rates for capitalist companies than cooperatives in North America.114 A study conducted by Quebec’s Ministry of Industry and Commerce in 1999 concluded that “Co-op startups are twice as likely to celebrate their 10th birthday as conventionally owned private businesses.”115 A later study by the same organization found that “More than 6 out of 10 cooperatives survive more than five years, as compared to almost 4 businesses out of 10 for the private sector in Québec and in Canada in general. More than 4 out of 10 cooperatives survive more than 10 years, compared to 2 businesses out of 10 for the private sector.”116

recalled Stephen Crocker, a graduate student on the UCLA team who had driven up with his best friend and colleague, Vint Cerf. So they decided to meet regularly, rotating among their sites. The polite and deferential Crocker, with his big face and bigger smile, had just the right personality to be the coordinator of what became one of the digital age’s archetypical collaborative processes. Unlike Kleinrock, Crocker rarely used the pronoun I; he was more interested in distributing credit than claiming it. His sensitivity toward others gave him an intuitive feel for how to coordinate a group without trying to centralize control or authority, which was well suited to the network model they were trying to invent. Months passed, and the graduate students kept meeting and sharing ideas while they waited for some Powerful Official to descend upon them and give them marching orders. They assumed that at some point the authorities from the East Coast would appear with the rules and regulations and protocols engraved on tablets to be obeyed by the mere managers of the host computer sites. “We were nothing more than a self-appointed bunch of graduate students, and I was convinced that a corps of authority figures or grownups from Washington or Cambridge would descend at any moment and tell us what the rules were,” Crocker recalled. But this was a new age. The network was supposed to be distributed, and so was the authority over it. Its invention and rules would be user-generated. The process would be open. Though it was funded partly to facilitate military command and control, it would do so by being resistant to centralized command and control. The colonels had ceded authority to the hackers and academics. So after an especially fun gathering in Utah in early April 1967, this gaggle of graduate students, having named itself the Network Working Group, decided that it would be useful to write down some of what they had conjured up.95 And Crocker, who with his polite lack of pretense could charm a herd of hackers into consensus, was tapped for the task. He was anxious to find an approach that did not seem presumptuous. “I realized that the mere act of writing down what we were talking about could be seen as a presumption of authority and someone was going to come and yell at us—presumably some adult out of the east.

Sometimes, as in the case of the copper companies, the nationalizations were achieved through legislation that won overwhelming support. (By now, no one in Chile loved the American companies; even the head of Chile’s Roman Catholic bishops declared that nationalization was right and just.) At other times the methods skirted or even overstepped the bounds of legality. The government would simply approve the seizures of farms and factories, one of those “loopholes” Allende was relying on. Perhaps the most important—and pernicious—method was by squeezing the companies economically, as he tried to do with El Mercurio. The government had the authority to approve price hikes and wage increases. Companies that were targets for takeovers were prohibited from raising their prices but were forced to raise their workers’ pay. Moreover, as the government extended its control of the banks, credit for distressed companies dried up. Forced bankruptcies were a favorite tool of Allende’s Socialists. And who was there to run these companies once they were taken over? Ambassador Davis reports: “Government-appointed managers were usually named on the basis of a political patronage system that would have put Tammany Hall to shame.” Many formerly profitable companies were soon incurring heavy losses. In the countryside, where peasants—often illiterate—were seizing control of the estates, there was resistance even to the simplest methods of accounting and cost calculation. As Allende told Debray, “We shall have real power when copper and steel are under our control, when saltpeter is genuinely under our control, when we have put far-reaching land reform measures into effect, when we control imports and exports through the state, when we have collectivized a major portion of our national production.” But it wasn’t just the economy that Allende was trying to control. He was also taking steps to centralize the government and restrict political freedom. He saw his most important political reform as replacing the bicameral legislature with a single chamber in order to strengthen the presidency and weaken congress’s ability to block his objectives. It would also have the power to override judicial decisions. He called the proposed new body the “People’s Assembly,” but he never gained sufficient support from the “people” to call a plebiscite on the question.

She clicks on the last slide, and that’s when it happens. “Me So Horny” blasts out of the speakers and my video, mine and Peter’s, flashes on the projector screen. Someone has taken the video from Anonybitch’s Instagram and put their own soundtrack to it. They’ve edited it too, so I bop up and down on Peter’s lap at triple speed to the beat. Oh no no no no. Please, no. Everything happens at once. People are shrieking and laughing and pointing and going “Oooh!” Mr. Vasquez is jumping up to unplug the projector, and then Peter’s running onstage, grabbing the microphone out of a stunned Reena’s hand. “Whoever did that is a piece of garbage. And not that it’s anybody’s fucking business, but Lara Jean and I did not have sex in the hot tub.” My ears are ringing, and people are twisting around in their seats to look at me and then shifting back around to look at Peter. “All we did was kiss, so fuck off!” Mr. Vasquez, the junior class advisor, is trying to grab the mic back from Peter, but Peter manages to maintain control of it. He holds the mic up high and yells out, “I’m gonna find whoever did this and kick their ass!” In the scuffle, he drops the mic. People are cheering and laughing. Peter’s being frog-marched off the stage, and he frantically looks out into the audience. He’s looking for me. The assembly breaks up then, and everyone starts filing out the doors, but I stay low in my seat. Chris comes and finds me, face alight. She grabs me by the shoulders. “Ummm, that was crazy! He freaking dropped the F bomb twice!” I am still in a state of shock, maybe. A video of me and Peter hot and heavy was just on the projector screen, and everyone saw Mr. Vasquez, seventy-year-old Mr. Glebe who doesn’t even know what Instagram is. The only passionate kiss of my life and everybody saw. Chris shakes my shoulders. “Lara Jean! Are you okay?” I nod mutely, and she releases me. “He’s kicking whoever did it’s ass? I’d love to see that!” She snorts and throws her head back like a wild pony. “I mean, the boy’s an idiot if he thinks for one second it wasn’t Gen who posted that video. Like, wow, those are some serious blinders, y’know?” Chris stops short and examines my face. “Are you sure you’re okay?” “Everybody saw us.” “Yeah…that sucked. I’m sure that was Gen’s handiwork. She must’ve gotten one of her little minions to sneak it onto Reena’s PowerPoint.” Chris shakes her head in disgust. “She’s such a bitch. I’m glad Peter set the record straight, though. Like, I hate to give him credit, but that was an act of chivalry. No guy has ever set the record straight for me.

For the sake of their own self-image they had to force themselves to believe that they sought happiness for their slaves. But the “happiness” of the slaves could never have arisen from an acceptance of slavery. At best, it had to arise as a function of the living space created by paternalistic compromise forced on them. That living space meant the possibility of creation of an autonomous spiritual life – a religion of their own with which they could be “happy” – that is, they could live in reasonable peace with themselves. The masters, seeing their apparent contentment took credit and congratulated themselves for the slaves’ acceptance of slavery, whereas in fact the slaves had only accepted the limited protection that even slavery had to offer, while acknowledging the reality of the power over them. The masters then had to hold the slaves’ religion in contempt, for in truth they feared it. And properly so, for it meant that the slaves had achieved a degree of psychological and cultural autonomy and therefore successfully resisted becoming extensions of their masters’ wills – the one thing they were supposed to become. It made all the difference that the masters’ claims to be bestowing privileges were greeted by the slaves as recognition of their own rights. “Men” wrote Gramsci, “when they feel their strength and are conscious of their responsibility and their value, do not want another man to impose his will on theirs and undertake to control their thoughts and actions.” The everyday instance in which “docile” slaves suddenly rebelled and “kind” masters suddenly behaved like wild bests had their origins, apart from frequent instabilities in the participating responsibilities in this dialectic. Masters and slaves had both “agreed” on the paternalistic basis of their relationship, the one from reasons of self-aggrandizement and the other from lack of an alternative. But they understood very different things by their apparently common assent. And every manifestation of that contradiction threatened the utmost violence… The slaves defended themselves effectively against the worst of their masters’ aggression, but they paid a high price. They fought for their right to think and act as autonomous human beings, but it was a desperate fight in which they could easily slip backward… they had manifested strength…. In Gramsci’s terms, they had had to wage a prolonged, embittered struggle with themselves as well as with their oppressors to “feel their strength” and to become “conscious of their responsibility and their value.” It was not that the slaves did not act like men. Rather, it was that they could not grasp their collective strength as a people and act like political men. The black struggle on that front, which has not been won, has paralleled that of every other oppressed people. It is the most difficult because it is the final stage a people must wage to forge themselves into a nation.

PATTERNS OF THE “SHY” What else is common among people who identify themselves as “shy?” Below are the results of a survey that was administered to 150 of my program’s participants. The results of this informal survey reveal certain facts and attitudes common among the socially anxious. Let me point out that these are the subjective answers of the clients themselves—not the professional opinions of the therapists. The average length of time in the program for all who responded was eight months. The average age was twenty-eight. (Some of the answers are based on a scale of 1 to 5, 1 being the lowest.) -Most clients considered shyness to be a serious problem at some point in their lives. Almost everyone rated the seriousness of their problem at level 5, which makes sense, considering that all who responded were seeking help for their problem. -60 percent of the respondents said that “shyness” first became enough of a problem that it held them back from things they wanted during adolescence; 35 percent reported the problem began in childhood; and 5 percent said not until adulthood. This answer reveals when clients were first aware of social anxiety as an inhibiting force. -The respondents perceived the average degree of “sociability” of their parents was a 2.7, which translates to “fair”; 60 percent of the respondents reported that no other member of the family had a problem with “shyness”; and 40 percent said there was at least one other family member who had a problem with “shyness.” -50 percent were aware of rejection by their peers during childhood. -66 percent had physical symptoms of discomfort during social interaction that they believed were related to social anxiety. -55 percent reported that they had experienced panic attacks. -85 percent do not use any medication for anxiety; 15 percent do. -90 percent said they avoid opportunities to meet new people; 75 percent acknowledged that they often stay home because of social fears, rather than going out. -80 percent identified feelings of depression that they connected to social fears. -70 percent said they had difficulty with social skills. -75 percent felt that before they started the program it was impossible to control their social fears; 80 percent said they now believed it was possible to control their fears. -50 percent said they believed they might have a learning disability. -70 percent felt that they were “too dependent on their parents”; 75 percent felt their parents were overprotective; 50 percent reported that they would not have sought professional help if not for their parents’ urging. -10 percent of respondents were the only child in their families; 40 percent had one sibling; 30 percent had two siblings; 10 percent had three; and 10 percent had four or more. Experts can play many games with statistics. Of importance here are the general attitudes and patterns of a population of socially anxious individuals who were in a therapy program designed to combat their problem. Of primary significance is the high percentage of people who first thought that “shyness” was uncontrollable, but then later changed their minds, once they realized that anxiety is a habit that can be broken—without medication. Also significant is that 50 percent of the participants recognized that their parents were the catalyst for their seeking help. Consider these statistics and think about where you fit into them. Do you identify with this profile? Look back on it in the coming months and examine the ways in which your sociability changes. Give yourself credit for successful breakthroughs, and keep in mind that you are not alone!

Luna left, too, with a cheery, “Thanks for the morning entertainment. That provided a better jolt than a cup of espresso.” Then it was just Arabella, her brother, and the really, really big man, who had just turned his gaze on her. Given his threats and violent solution, Arabella should have been quaking. At the very least staring at her toes lest she incur his wrath. But the gentlest blue eyes caught hers, and his tone was soft and soothing when he addressed her. “You must be Arabella. I’m Leo, the pride’s omega.” “More like enforcer,” Jeoff muttered, still rubbing his head. “If you behave, then I don’t have to resort to my methods.” “He started it,” Jeoff accused, pointing at finger at Hayder, who emerged from the bedroom clad in low-hipped jeans that hugged his corded thighs and a soft T-shirt that clung to his chest. “Hey, it’s not my fault you jumped to the wrong conclusion when I answered the door.” “What else was I to think? You’re in my sister’s condo wearing only a rag.” “Protecting her.” “The same way you protected her last night when you took her out and flaunted her?” “I took her to dinner.” “What the hell do you mean you took her out to dinner? You put my baby sister in danger.” “She wasn’t in danger.” “They snatched her off the street!” “And I got her back.” The men glared at each, toe-to-toe, bodies bristling. Leo, who’d seated himself on a stool by the kitchen island, cleared his throat. “Don’t make me get off this stool.” The tension remained, but the impending violence moved down a few notches. Seeming satisfied, Leo turned to her. “Coffee?” He addressed that to Arabella, holding out a cup he’d brewed from the machine on the counter. With a wary look at both Hayder and her brother, she went toward him but then almost scalded herself when Hayder barked, “Baby, where are your pants?” Oh yeah. She peeked down at her bare legs. To his credit, Leo didn’t, but he did smile. “How about I add some sugar and milk to this while you find some pants? You look like you need something sweet.” She couldn’t help but return his smile. “Yes, please.” Still ignoring the other two men, she stepped past them to the bedroom, where she scrounged in a drawer for pants. As she dressed, she listened to the arguing. “She’s leaving with me.” Her brother hadn’t relented. Neither did Hayder. “Wrong. Arabella isn’t going anywhere.” Ouch. She knew her brother wouldn’t like that. She was right. “Excuse me? You don’t get a say. She’s my sister, my responsibility. I’m taking her.” Arabella stepped back into the living room. “What of the danger though, Jeoff? The pack is in town, and they’re looking for me.” “We’ll figure something out.” “We already have. She’ll stay here with me where she’s safe.” Hayder crossed his arms over his impressive chest, looking much too determined— and sexy. A certain brother wasn’t impressed. “As safe as she was last night?” Hayder rolled his eyes. “Oh please. What part of ‘we had the situation under control’ can you not grasp? Leo, tell the wolf that Arabella was never in any danger.” “I don’t lie to my friends,” Leo said as he re-handed Arabella her coffee. She took a sip of the hot brew and sighed as she listened to the arguing. When Leo patted the stool beside him, she hopped on. For such a big man, he offered a strangely calming effect. On her at least. Hayder and Jeoff, on the other hand, just couldn’t stem their tirade. “I was wrong to stick her here. So you can forget I asked.” “Too late. She’s part of the pride now.” “She’s a wolf, or have you forgotten? She belongs with her own kind.” Jeoff crooked his finger at her and inclined his head to the door. Arabella didn’t move, more because Hayder’s next words froze her. “She belongs with me. Arabella is my mate.

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The Sleepwalkers: How Europe Went to War in 1914 (Clark, Christopher) - Your Highlight on page 26 | location 732-759 | Added on Saturday, 3 May 2014 14:31:16 Garašanin articulated this imperative in 1848 during the uprising in the Vojvodina. ‘The Vojvodina Serbs,’ he wrote, ‘expect from all Serbdom a helping hand, so they can triumph over their traditional enemy. […] But because of political factors, we cannot aid them publicly. It only remains for us to aid them in secret.’55 This preference for covert operations can also be observed in Macedonia. Following an abortive Macedonian insurrection against the Turks in August 1903, the new Karadjordjević regime began to operate an active policy in the region. Committees were established to promote Serb guerrilla activity in Macedonia, and there were meetings in Belgrade to recruit and supply bands of fighters. Confronted by the Ottoman minister in Belgrade, the Serbian foreign minister Kaljević denied any involvement by the government and protested that the meetings were in any case not illegal, since they had been convened ‘not for the raising of bands, but merely for collecting funds and expressing sympathy for co-religionists beyond the border’.56 The regicides were deeply involved in this cross-border activity. The conspirator officers and their fellow travellers within the army convened an informal national committee in Belgrade, coordinated the campaign and commanded many of the volunteer units. These were not, strictly speaking, units of the Serbian army proper, but the fact that volunteer officers were immediately granted leave by the army suggested a generous measure of official backing.57 Militia activity steadily expanded in scope, and there were numerous violent skirmishes between Serb četniks (guerrillas) and bands of Bulgarian volunteers. In February 1907, the British government requested that Belgrade put a stop to this activity, which appeared likely to trigger a war between Serbia and Bulgaria. Once again, Belgrade disclaimed responsibility, denying that it was funding četnik activity and declaring that it ‘could not prevent [its people] from defending themselves against foreign bands’. But the plausibility of this posture was undermined by the government’s continuing support for the struggle – in November 1906, the Skupština had already voted 300,000 dinars for aid to Serbs suffering in Old Serbia and Macedonia, and this was followed by a ‘secret credit’ for ‘extraordinary expenses and the defence of national interests’.58 Irredentism of this kind was fraught with risk. It was easy to send guerrilla chiefs into the field, but difficult to control them once they were there. By the winter of 1907, it was clear that a number of the četnik bands were operating in Macedonia independently of any supervision; only with some difficulty did an emissary from Belgrade succeed in re-imposing control. The ‘Macedonian imbroglio’ thus delivered an equivocal lesson, with fateful implications for the events of 1914. On the one hand, the devolution of command functions to activist cells dominated by members of the conspirator network carried the danger that control over Serb national policy might pass from the political centre to irresponsible elements on the periphery. On the other hand, the diplomacy of 1906–7 demonstrated that the fuzzy, informal relationship between the Serbian government and the networks entrusted with delivering irredentist policy could be exploited to deflect political responsibility from Belgrade and maximize the government’s room for manoeuvre. The Belgrade political elite became accustomed to a kind of doublethink founded on the intermittent pretence that the foreign policy of official Serbia and the work of national liberation beyond the frontiers of the state were separate phenomena.

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You have more control than I’ve given you credit for. I underestimated you, Muse.” Yah think?

As with Japanese keiretsu, the member firms in a Korean chaebol own shares in each other and tend to collaborate with each other on what is often a nonprice basis. The Korean chaebol differs from the Japanese prewar zaibatsu or postwar keiretsu, however, in a number of significant ways. First and perhaps most important, Korean network organizations were not centered around a private bank or other financial institution in the way the Japanese keiretsu are.8 This is because Korean commercial banks were all state owned until their privatization in the early 1970s, while Korean industrial firms were prohibited by law from acquiring more than an eight percent equity stake in any bank. The large Japanese city banks that were at the core of the postwar keiretsu worked closely with the Finance Ministry, of course, through the process of overloaning (i.e., providing subsidized credit), but the Korean chaebol were controlled by the government in a much more direct way through the latter’s ownership of the banking system. Thus, the networks that emerged more or less spontaneously in Japan were created much more deliberately as the result of government policy in Korea. A second difference is that the Korean chaebol resemble the Japanese intermarket keiretsu more than the vertical ones (see p. 197). That is, each of the large chaebol groups has holdings in very different sectors, from heavy manufacturing and electronics to textiles, insurance, and retail. As Korean manufacturers grew and branched out into related businesses, they started to pull suppliers and subcontractors into their networks. But these relationships resembled simple vertical integration more than the relational contracting that links Japanese suppliers with assemblers. The elaborate multitiered supplier networks of a Japanese parent firm like Toyota do not have ready counterparts in Korea.9

In all of the elite companies studied, Level 5 Leaders were in charge when they made the leap from good to great. Level 5 Leadership refers to a type of leader who is not only a highly capable individual, team player, and manager, but also embodies two essential traits: personal humility and the will to do whatever it takes to get results. Level 5 Leaders are quiet, modest, self-effacing, even reserved. They lack over-sized egos or inflated sense of self-importance. Level 5 Leaders are driven to create great results. They are not afraid to make difficult or unpopular decisions if it will better their company. While Level 5 Leaders demonstrate tenacious ambition and will to succeed, they do not devote this energy for their own benefit but instead drive it towards the company’s success. In contrast, the outsized egos and self-serving nature of the “control set” executives contributed to the deaths of their own companies. When good results happen, Level 5 Leaders credit good luck. When results are disappointing, Level 5 Leaders blame only themselves and take responsibility. Other leaders credit themselves when good results come and blame luck or other people for failures. Level 5 Leaders make sure their companies maintain excellence by setting up competent successors who will push their companies to even greater heights. In contrast, other types of managers often leave gaping holes in leadership once they retire. An unexpected finding showed that a majority of the great CEOs were home-grown. In contrast, “celebrity” executives brought into a company have shown to cause more harm than good. It is incredibly detrimental for a company to elect an ego-driven and self-serving CEO instead of a Level 5 Leader. Potential Level 5 Leaders are all around us, and it is possible for one to become a Level 5 leader by embodying their basic traits.

The Diet Revolution was not just advocating a way to lose weight, which Atkins credited, in any case, to Banting, Pennington, Kekwick, and Pawan, but overthrowing the current nutritional wisdom entirely. Unlike Irwin Stillman, whose 1967 mega–best-seller The Doctor’s Quick Weight Loss Diet was also based on carbohydrate restriction, Atkins wanted “a revolution, not just a diet.” “Martin Luther King had a dream,” Atkins wrote. “I, too, have one. I dream of a world where no one has to diet. A world where the fattening refined carbohydrates have been excluded from the diet.

We do not honor the Lord nor do we uphold the gospel by playing make-believe. Neither are those who engage the kinds of issues discussed in this book necessarily on the slippery slope to unbelief. Our God is much bigger than we sometimes give him credit for. It is we who sometimes wish to keep him small by controlling what can or cannot come into the conversation.

BIG-HEARTED New Yorkers would get a $100 state tax break for adopting a homeless pet under a proposed bill being championed by some lawmakers. City Councilwoman Julissa Ferreras (D-Queens) will introduce the resolution next week, urging state legislators to approve the tax credit after previous attempts to get it passed in Albany have failed to gain traction. "Encouraging New Yorkers with a tax credit to adopt pets is not only compassionate but would bring relief to our overburdened animal shelters and to animal lovers who want to adopt but can’t afford the initial costs," Ferreras said. Animal Care & Control of NYC took in more than 30,000 homeless dogs and cats last year. About 21,000 were taken by animal rescue groups and 6,100 were adopted from the shelter.

Kim was twenty-three, single, on her own, and at a job making $27,000 per year. She had recently started her Total Money Makeover. She was behind on credit cards, not on a budget, and barely making her rent because her spending was out of control. She let her car insurance drop because she “couldn’t afford it.” She did her first budget and two days later was in a car wreck. Since it wasn’t bad, the damage to the other guy’s car was only about $550. As Kim looked at me through panicked tears, that $550 might as well have been $55,000. She hadn’t even started Baby Step One. She was trying to get current, and now she had one more hurdle to clear before she even started. This was a huge emergency. Seven years ago George and Sally were in the same place. They were broke with new babies, and George’s career was sputtering. George and Sally fought and scraped through a Total Money Makeover. Today they are debt-free, even their $85,000 home. They have a $12,000 emergency fund, retirement in Roth IRAs, and even the kids’ college is funded. George has grown personally, his career has blossomed, and he now makes $75,000 per year while Sally stays home with the kids. One day a piece of trash flew out of the back of George’s pickup and hit a car behind him on the interstate. The damage was about $550. I think you can see that George and Sally probably adjusted one month’s budget and paid the repairs, while Kim dealt with her wreck for months. The point is that as you get in better shape, it takes a lot more to rock your world. When the accidents occurred, George’s heart rate didn’t even change, but Kim needed a Valium sandwich to calm down. Those true stories illustrate the fact that as you progress through your Total Money Makeover, the definition of an emergency that is worthy to be covered by the emergency fund changes. As you have better health insurance, disability insurance, more room in your budget, and better cars, you will have fewer things that qualify as emergency-fund emergencies. What used to be a huge, life-altering event will become a mere inconvenience.

In Hebrews 12:2, 'the race set before us' is not a sprint but a marathon. We are promised popularity, ease, and fun if we will pursue the lifestyles presented to us by the world. We are promised easy credit, 250 channels, unlimited minutes, all you can eat, no-fault divorce, free wireless, confidential abortions, and safe sex. Those are the 'joys set before us' by the world, and most people trust these promises to deliver joy apart from God. But notice what is happening. The pursuit of the excellence of Jesus Christ is replaced by the pursuit of the lifestyles of the rich and famous. The knowledge of Jesus Christ is replaced with the ratings of what or who is most popular, and self-control is traded for self-indulgence. Consequently, there is no foundation for endurance. Even God's people quit jobs and marriages at the same rate as the world. More tragically, many of God's people quit trusting God. They have been stripped of Christian character.

Early twentieth-century English writers Hilaire Belloc and G. K. Chesterton—and, later, a young Marshall McLuhan—saw in distributism a definitive answer to the failures of both capitalism and state socialism.6, 7, 8 They looked to that same brief moment in the late Middle Ages we’ve been exploring, when the market was in ascendance and former peasants were making and trading things, as the best example of the ideal economic system. Wealth was relatively widely dispersed, and people had a great deal of control over their livelihoods. They had access to the commons, to a low-cost marketplace, and to their own currencies and credit systems. Craftspeople belonged to trade guilds that both bounded their investment of labor and allowed for the advancement of skills to successive generations. The former peasants of this period became so collectively wealthy that they used their surplus profits to build cathedrals and municipal projects as investments in the future. The centralization of power by the aristocracy and the great Renaissance that followed, according to all three popes, were less a pinnacle of human achievement than an undeserved celebration of dehumanizing technologies, economic injustice, colonial slavery, and an increasingly mechanized approach to life. In distributism, they saw a way to bring back what had been forcibly left behind by the industrial age and the rise of Protestant values that were, not coincidentally, much more directed toward personal achievement, individual wealth, and progress. But

Many complex elements contributed to the Great Depression of 1929. However, most economists believe that the two main causes of the Depression were the immensely uneven distribution of wealth during the previous decade and the extensive speculation in stock that took place in the latter half of the decade. The decade preceding the Depression was a time of tremendous prosperity and became known as the “Roaring Twenties.” However, prosperity was not for everyone. The number of wealthy people in the country was less than a tenth of a percent of the total population yet they controlled most of the money in the country. In a well-functioning economy, demand must equal supply. But in 1929 wealth was so unevenly distributed that the supply of products far exceeded the demand for them. People may have wanted the products at the time but they couldn’t afford them. If supplies keep building and demand lessens, the economy can collapse. One way to balance the equation is to allow people to buy products over time. By the end of the Roaring Twenties, over 60 percent of all automobiles and 80 percent of all radios had been purchased on credit. With this new influx of money into the market, the economy was booming at the end of the 1920s. Stock speculation became rampant. Profits as high as 3,400 percent could be made in less than a year and people could buy on margin. In other words, they only had to put down 10 percent cash when buying a stock. Because of this, everyone was buying stocks. The poor were equal players with the rich. This buying spree pushed the market to new highs. In 1928 alone the Dow Jones Industrial Average rose from 191 to 300. There were warning signs as minor recessions occurred in the spring of 1929. Investors became nervous. In October people started selling their shares of stock. As the market started dropping, more and more people sold stock, margins were called, and by October 1929 there was panic selling. Stock prices dropped so fast that many rich people became poor in a matter of hours.

Carrying body and soul and embracing the one, can you avoid separation? Can you let your body become as supple as a newborn child’s? In the opening and shutting of heaven’s gate, can you play the feminine part? Can you love your people and govern your domain without self-importance? Giving birth and nourishing; having, yet not possessing; working, yet not taking credit; leading without controlling or dominating. One who heeds this power brings the Tao to this very earth. This is the primal virtue.

We do not want to take credit for our evil choices. We sometimes try to blame them on God, just as Adam did when he said, “The woman whom you gave to be with me, she gave me fruit of the tree, and I ate” (Gen. 3:12). He tried to blame the fall on God Himself. That’s our tendency—take credit for the good, transfer blame for the evil. But Edwards understood that any good deed we do, any righteous choices that we make, are only because God is at work within us.

The major credit for the decrease in child mortality and the resultant increase in life expectancy must go to the control of disease through public health measures. At first, this took the form of improvements in sanitation and in water supplies. Eventually science caught up with practice and the germ theory of disease was understood and gradually implemented, through more focused, scientifically based measures. These included routine vaccination against a range of diseases and the adoption of good practices of personal and public health based on the germ theory. The

A vast body of social psychological research reveals that, as people go about their daily lives, they tend to interpret the situations they encounter and the events they experience in a decidedly self-centered, self-aggrandizing, and self-justifying way [...] the majority of men and women possess unrealistically positive self-views — they judge positive traits as overwhelmingly more characteristic of themselves than negative traits; dismiss any unfavorable attributes they may have as inconsequential while at the same time emphasizing the uniqueness and importance of their favorable attributes; recall personal successes more readily than failures; take credit for positive outcomes while steadfastly denying responsibility for negative ones; and generally view themselves as “better” than the average person [...] In addition, people often fall prey to an illusion of control consisting of exaggerated perceptions of their own ability to master and control events and situations that are solely or primarily determined by chance [...] Moreover, most individuals are unrealistically optimistic about the future, firmly believing that positive life events are more likely (and negative events are less likely) to happen to them than to others […] These cognitive processes, collectively known as self-serving biases or self-enhancement biases, not only function to protect and enhance people’s self-esteem [...] but also color perceptions of the events that occur in their closest and most intimate relationships. [...] married individuals routinely overestimate the extent of their own contributions, relative to their spouses, to a variety of joint marital activities [...] People not only perceive their own attributes, behaviors, and future outcomes in an overly positive manner, but they also tend to idealize the characteristics of their intimate partners and relationships.

Do you see, then, why God takes this seriously? Cosmic ingratitude is living in the illusion that you are spiritually self-sufficient. It is taking credit for something that was a gift. It is the belief that you know best how to live, that you have the power and ability to keep your life on the right path and protect yourself from danger. That is a delusion, and a dangerous one. We did not create ourselves, and we can’t keep our lives going one second without his upholding power. Yet we hate that knowledge, Paul says, and we repress it. We hate the idea that we are utterly and completely dependent on God, because then we would be obligated to him and would not be able to live as we wish. We would have to defer to the one who gives us everything. Therefore, because the sin in our hearts makes us desperate to keep control of our lives and to live the way we want, we cannot acknowledge the magnitude and scope of what we owe him. We are never as thankful as we should be.

I AM CREATING something new in you: a bubbling spring of Joy that spills over into others’ lives. Do not mistake this Joy for your own or try to take credit for it in any way. Instead, watch in delight as My Spirit flows through you to bless others. Let yourself become a reservoir of the Spirit’s fruit. Your part is to live close to Me, open to all that I am doing in you. Don’t try to control the streaming of My Spirit through you. Just keep focusing on Me as we walk through this day together. Enjoy My Presence, which permeates you with Love, Joy, and Peace. “The wind blows wherever it pleases. You hear its sound, but you cannot tell where it comes from or where it is going. So it is with everyone born of the Spirit.” JOHN 3 : 8 But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness. GALATIANS 5 : 22

If you don’t feel you’re in control of your money, you are likely operating on the Money Management philosophy. That’s when your money (or lack of it) is controlling you; that’s when you are merely reacting to financial circumstances or the orders of your bank and credit card company.